Farmers&Merchants Bk Cntl Ca (FDIC #1331): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bk Cntl Ca (FDIC Cert #1331): bank stress 50/100, moderate, STABLE over 7 days; parent FARMERS&MERCHANTS BCORP.
Farmers&Merchants Bk Cntl Ca (#1331) lends in 8 counties across 1 state; Farmers&Merchants Bk Cntl Ca (#1331) reaches 257 ZIP codes: California 8 counties, 257 ZIPs.
Farmers&Merchants Bk Cntl Ca (#1331) largest markets: Sacramento County, CA (348 branches, 58 ZIPs) (#1331), Alameda County, CA (53 branches, 53 ZIPs) (#1331), Contra Costa County, CA (147 branches, 49 ZIPs) (#1331), San Joaquin County, CA (407 branches, 37 ZIPs) (#1331), Stanislaus County, CA (168 branches, 28 ZIPs) (#1331), Merced County, CA (48 branches, 24 ZIPs) (#1331).
Farmers&Merchants Bk Cntl Ca (#1331) reports $5.83 billion in total assets; Farmers&Merchants Bk Cntl Ca (#1331) equity $686.8 million (11.8% of Farmers&Merchants Bk Cntl Ca (#1331) assets); Farmers&Merchants Bk Cntl Ca (#1331) domestic deposits $5.10 billion; Farmers&Merchants Bk Cntl Ca (#1331) net income $50.2 million; Farmers&Merchants Bk Cntl Ca (#1331) return on assets 1.74%; Farmers&Merchants Bk Cntl Ca (#1331) return on equity 15.04%; Farmers&Merchants Bk Cntl Ca (#1331) net interest income $113.8 million; Farmers&Merchants Bk Cntl Ca (#1331) call report June 30, 2026.
Farmers&Merchants Bk Cntl Ca (#1331) noncurrent real-estate loans: none reported; Farmers&Merchants Bk Cntl Ca (#1331) net charge-offs on real estate 0.17%; Farmers&Merchants Bk Cntl Ca (#1331) residential charge-offs 0.05%.
Farmers&Merchants Bk Cntl Ca (#1331) net interest margin 4.21% against an eight-quarter Farmers&Merchants Bk Cntl Ca (#1331) average of 4.18% (Farmers&Merchants Bk Cntl Ca (#1331) compression -0.02 points); Farmers&Merchants Bk Cntl Ca (#1331) non-residential real estate 5.2% of equity; Farmers&Merchants Bk Cntl Ca (#1331) rate-exposure score 40/100, Farmers&Merchants Bk Cntl Ca (#1331) fixed-rate trap 40/100; Farmers&Merchants Bk Cntl Ca (#1331) risk type credit driven; Farmers&Merchants Bk Cntl Ca (#1331) rate regime rates elevated, Farmers&Merchants Bk Cntl Ca (#1331) snapshot October 20, 2026.
Farmers&Merchants Bk Cntl Ca (#1331) stress score moved from 50.3 on June 22, 2026 to 49.6 on October 20, 2026; Farmers&Merchants Bk Cntl Ca (#1331) ranged 49.6 to 50.3 over 117 snapshots.
Farmers&Merchants Bk Cntl Ca (#1331) alerts: 8 counties; top Farmers&Merchants Bk Cntl Ca (#1331) alert scores: Napa County, CA 32 (low); Merced County, CA 30 (low); Oakland County, CA 19 (low); Rio Vista County, CA 19 (low); Stockton County, CA 19 (low).